22nd State Bank
Mobile, AL
IDRSSD: 449430
Total Assets
$280.11M
Latest filing
Total Deposits
$231.81M
Latest filing
Net Interest Margin
8.07%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
22nd State Bank
51 St. Joseph Street
Mobile, AL 36602
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1917FDIC Certificate 10995
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| 22nd State Bank (Main) | 51 St. Joseph Street | Mobile, AL |
| GENEVA BRANCH | 515 S Commerce St | Geneva, AL |
| BREWTON BRANCH | 226 Saint Joseph Ave | Brewton, AL |
| SPRING HILL BRANCH | 4357 Old Shell Road | Mobile, AL |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1917 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 36602 |
| State and County Number | 01097 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Mobile, AL |
Operational Info
| Number of Employees | 86 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/11/2025 |
| Date of Deposit Insurance | 05/29/1950 |
| Primary Insurance Agency | DIF |
| Website | www.22ndstatebank.com |
| Data Updated | 11/14/2025 |
| CERT | 16910 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $280.11M |
| Total Deposits | $231.81M |
| Total Liabilities | $242.84M |
| Total Equity Capital | $37.27M |
| Net Income | $785.00k |
| Net Loans and Leases | $205.10M |
| Assets Per Employee ($Millions) | $3.3M |
| Bank Premises and Fixed Assets | $6.34M |
| Cash and Balances due from Depository Institutions | $9.60M |
| Deposits Held in Domestic Offices | $231.81M |
Key Performance Ratios
| Return on Assets (ROA) | 1.16% |
| Return on Equity (ROE) | 8.59% |
| Net Interest Margin | 8.07% |
| Efficiency Ratio | 82.8% |
| Tier 1 Risk-Based Capital Ratio | 14.961% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.28% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.305% |
| Earning Assets to total Assets | 89.17% |
Income and Expense
| Total Interest Income | $6.34M |
| Total Noninterest Income | $1.05M |
| Total Interest Expense | $1.45M |
| Total Noninterest Expense | $4.93M |
| Net Interest Income | $4.90M |
| Pre-tax Net Operating Income | $827.00k |
| Provision for Credit Losses | $192.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $24.10M |
| Federal Funds Purchased and Repurchased Agreement | $2.00M |
| All Other Liabilities | $9.03M |
| Total Liabilities and Capital | $280.11M |
Securities
| Securities | $19.00M |
| Available-for-sale debt securities | $19.00M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of 22nd State Bank?
$280.11M as of the latest filing.
How much are 22nd State Bank's total deposits?
$231.81M in total deposits.
Where is 22nd State Bank located?
Mobile, AL.
What is the Net Interest Margin?
8.07%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1917.
What is the Return on Assets (ROA)?
1.16%.
How much are total loans and leases?
$205.10M (latest filing).
What is the total interest income (latest filing)?
$6.34M.